Credit line – finance your new business| Luminor

Credit line

A simple and convenient solution for improving the company's working capital: choose when, what for and how much of the allocated financing to use
Take advantage of the opportunity for small or medium-sized enterprises to get more favourable conditions in cooperation with ALTUM

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With no collateral in cooperation with ALTUM

Use when you want and repay when funds are available

Pay according the amount you actually used

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Conditions

Credit line

Individually agreed maximum amount
Term up to 1 year
Minimum amount € 10,000
Security: mortgage, commercial pledge or guarantee/warranty

Credit line with no collateral

May also be received together with a credit card
Term up to 3 years
Minimum amount € 500; maximum amount € 30,000
Security: common financial security and, if requested by Luminor, shareholder's (owner's) guarantee

Loans with Altum guarantee

Credit line with Altum guarantee

- Credit line limit p to € 150 000 without a pledge or up to € 500 000 with a pledge*
- Security - surety of the company’s owner
- Loan term 12 - 24 months
- Lower loan interest rate
- Altum guarantee premium covered by Luminor
- For new lending only
- De Minimis support is applied
- Available till 31.10.2026

* if with pledge:
- Security - mortgage, commercial pledge and/or surety of the company’s owner
- Altum guarantee premium covered by Customer

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Individual guarantees for loans also above EUR 250 000

- In cooperation with Altum and the European Union Structural Funds, we offer support in receiving funding
- Solution in cases of lack of collateral
- We also offer financing above 25 000 EUR, evaluating the industry and specifics of the company
- Up to 80% of the principal amount of financing
- Communication requirements must also be taken into account when applying for funding

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Required documents

Filled-in application
Financial statements for the last year and current performance results (Balance Sheet and Income Statement with accompanied notes)
Security valuation (for loans secured by movable or immovable property)
Other documents or information upon the Bank's request

Conditions

Loans with Altum guarantee

Required documents

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